EXPERIENCE THE VLFCU DIFFERENCE WITHSHARE CERTIFICATES&IRA SHARE CERTIFICATESOnly d $500 Minimum Opening Balance . Deposits Insured Up to $500,0001Variety of TermsCompetitive Dividend Rates9 MONTH TERM21 MONTH TERM1.00% 2.00%APY*APY*59 MONTH TERM120 MONTH TERM2.50% 2.75%VacationAPY*APY*800.691.9299" WwW.VLFCU.ORGEXCESS SHAREFederally Insured by NCUAFederal Credit UnionINSURANCEMembership eligibility is required with a minimum deposit of $25.00 in a Share Account. Membermust be in good standing with VLFCU. No other offers or discounts are eligible with this promotion.Rates effective as of February 1, 2018. (1) All depositary accounts are insured up to $500,000. Thefirst $250,000 of insurance is provided by NCUA's National Credit Union Share Insurance Fund. Anadditional $250,000 is made available through private insurance from Excess Share InsuranceCompany."APY Annual Percentage Yield. A $500.00 minimum deposit is required upon accountopening on all Share Certificates and IRA Share Certificates. Early withdrawal from ShareCertificate or IRA Share Certificate will result in penalty based upon initial term. Rates are subjectto change or cancellation without notice.

Date: February 12, 2018

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Vacationland Federal Credit Union

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EXPERIENCE THE VLFCU DIFFERENCE WITH SHARE CERTIFICATES& IRA SHARE CERTIFICATES Only d $500 Minimum Opening Balance . Deposits Insured Up to $500,0001 Variety of Terms Competitive Dividend Rates 9 MONTH TERM 21 MONTH TERM 1.00% 2.00% APY* APY* 59 MONTH TERM 120 MONTH TERM 2.50% 2.75% Vacation APY* APY* 800.691.9299 " WwW.VLFCU.ORG EXCESS SHARE Federally Insured by NCUA Federal Credit Union INSURANCE Membership eligibility is required with a minimum deposit of $25.00 in a Share Account. Member must be in good standing with VLFCU. No other offers or discounts are eligible with this promotion. Rates effective as of February 1, 2018. (1) All depositary accounts are insured up to $500,000. The first $250,000 of insurance is provided by NCUA's National Credit Union Share Insurance Fund. An additional $250,000 is made available through private insurance from Excess Share Insurance Company."APY Annual Percentage Yield. A $500.00 minimum deposit is required upon account opening on all Share Certificates and IRA Share Certificates. Early withdrawal from Share Certificate or IRA Share Certificate will result in penalty based upon initial term. Rates are subject to change or cancellation without notice.